For many Ugandans, Collective Investment Schemes (CISs) also known as Unit Trust Funds have offered a simple and affordable way to save and invest for their future without having to make daily investment decisions themselves. However, what is often overlooked is the critical role played by the fund manager, the [...]
Earning interest on savings is a fundamental step towards building and protecting wealth, yet it is often ignored by many Ugandans who for a very long time have relied solely on traditional bank savings accounts. While these accounts provide safety and liquidity, they typically offer very low interest rates and [...]
Economic indicators provide valuable insight into the overall health and direction of an economy. For investors, understanding these indicators is essential because they influence market conditions, investment performance, and income levels. Changes in economic conditions affect interest rates, inflation, business profitability, employment, and consumer spending all of which directly impact [...]
From my experience, generational wealth is not created through income alone, but through systems that allow money to grow beyond one lifetime. Active income such as salaries or business profits depends heavily on time, effort, and personal capacity and once work stops, income often stops as well. Passive income and [...]
The most common investment mistake is not poor market timing, but the mismatch between the investor and the investment. An investment that performs well on paper can still be inappropriate if it does not match the investor’s financial situation, risk tolerance, time horizon, or financial objectives. Sound investment decisions begin [...]
Not all savings and investment options serve the same purpose. Each instrument differs in risk exposure, expected return, and suitability for different financial objectives. Knowing these differences helps individuals avoid mismatched decisions such as taking unnecessary risk for short-term needs or earning returns that fail to keep up with inflation [...]